Any person who violates this article shall be subject to a citation by the police and shall be subject to a nonsuspendable fine of not less than $100 nor more than $1,000, thirty days imprisonment, a one year driver's license suspension, or any combination thereof, for each violation.
Any person cited under this section shall have an opportunity to present a good faith defense, including but not limited to lack of knowledge or proof of insurance. The general penalty provision of this section shall not apply to:
(1) Any operator of a motorcycle or motor scooter owned by another person if the operator's own insurance covers such driving;
(2) Any operator of a motorcycle or motor scooter owned by that person's employer during the normal scope of that person's employment; or
(3) Any operator of a borrowed motorcycle or motor scooter if the operator holds a reasonable belief that the subject vehicle is insured.